DigiAsia (NASDAQ: FAAS) and MOS (NSE: MOS) Join Forces to Transform Branchless Banking Across Southeast Asia and India Through AI Innovation

In a significant move to capture the emerging financial inclusion market valued at over $30 billion, two major listed fintech platforms have unveiled an expanded collaboration aimed at revolutionizing how financial services reach underserved populations.

Building the Next Generation of Agent-Powered Banking

The partnership marks a pivotal shift beyond traditional payment processing toward comprehensive branchless banking infrastructure. The initiative targets the integration of advanced technologies to convert micro-merchants into accredited financial service agents across Indonesia and India. This network is projected to onboard more than one million merchants, fundamentally reshaping last-mile financial access in these high-growth markets.

Rather than relying on traditional brick-and-mortar branches, the platform leverages distributed networks of small merchants and business owners who can now facilitate banking transactions, loan origination, and savings products directly within their communities.

AI-Driven Infrastructure Reshaping Agent Performance

The technological foundation of this collaboration rests on three AI-driven innovations:

Predictive Agent Analytics: Machine learning models designed to identify high-performing agents and predict which micro-merchants are best positioned to succeed as financial service nodes within the ecosystem.

Intelligent Liquidity Management: AI systems that forecast cash flow demands at the individual agent level, minimizing liquidity shortages and reducing friction in transaction settlement across the network.

Conversational AI Platform: A multilingual voice and chat interface enabling agents to guide customers through complex financial products—from payments and savings accounts to micro-lending applications—in their preferred languages.

Operational Excellence and Market Access

The collaboration delivers tangible operational advantages. By automating KYC (Know Your Customer) processes and streamlining cash collection and disbursement workflows, both platforms aim to reduce service disruptions while simultaneously improving the customer experience across Indonesia and India. This infrastructure also enables rapid consumer loan origination, a critical capability in emerging markets where traditional credit assessment has historically been prohibitively expensive.

The Broader Strategic Vision

Rather than operating in isolation, the combined reach and capabilities position this partnership to address a fundamental gap in Asian financial infrastructure. Rural and semi-urban communities—where traditional banking penetration remains low—gain access to a full spectrum of financial services without requiring costly physical branches. Simultaneously, merchants gain new revenue streams by serving as authorized financial agents, creating economic incentives for network participation.

The platform’s modular architecture enables rapid scaling across diverse regulatory environments and market conditions, positioning both organizations to capture significant share in the financial inclusion wave sweeping through emerging Asia. By combining sophisticated AI capabilities with grassroots distribution networks, the partnership creates a compelling template for how digital-first fintech models can achieve both profitability and genuine financial inclusion at scale.